Sell insurance today. Build the risk infrastructure for LatAm tomorrow.
CoverCap runs two compounding revenue streams, acquired through three distribution engines that fund and feed each other.
One sales motion. Two revenue streams.
Insurance is the entry wedge. TPRM + AI Risk is the margin layer that compounds on top of it at near-zero incremental CAC.
Niche Insurance Brokerage
Specialized D&O, Cyber, and E&O coverage for fintech, SaaS, logistics, and law firms — built for their exact risk profiles, not generic policies. Carrier relationships and CoverCap OS make placement faster and cheaper than any traditional broker.
TPRM + AI Risk Platform
Every anchor insurance client has 25–150 vendors that need risk assessment. That assessment IS the TPRM product. One whale deal generates: insurance commission + TPRM subscription + pre-qualified vendor leads — all from the same sales motion. AI Risk is a pure upsell: zero acquisition cost, ~99% gross margin.
Every client is a distribution channel.
One anchor client. CoverCap OS maps their vendor network. Vendors become clients. Each new client maps their vendors. The loop compounds at near-zero marginal cost because the OS absorbs the operational load.
The loop generates revenue across three product lines simultaneously.
| Stream | Mechanism | Y1 Revenue | Y5 Revenue | Gross Margin |
|---|---|---|---|---|
| Insurance Brokerage | 17.5–27.4% commission on D&O, Cyber, E&O · 80–90% renewal rate · Avg premium $16K → $30.8K | $1.49M | $21.2M | 50–73% |
| TPRM SaaS | Enterprise sponsors anchor vendor networks of 50–150 vendors · Deep platform integration · High switching cost | $344K | $17.6M | 38%+ |
| AI Risk Management | Token-based upsell to existing insurance clients · No new sales motion · Grows with client adoption | $69K | $3.9M | ~99% |
By Year 5, TPRM revenue ($17.6M) surpasses insurance commission revenue. The business becomes a software company with an insurance flywheel attached.
From $405K to $50M. Two streams compounding.
All figures from CoverCap 5-Year Financial Model v3 (Base Case). EBITDA turns positive in Year 2 and reaches 52% by Year 5.
Revenue mix by stream
Insurance · TPRM · AI Risk — stacked by year ($K)
Same rep. Better data. 40× LTV/CAC by Year 5.
CoverCap OS improves with every client added. Better risk scores mean higher close rates, fewer claims, and larger renewals — with no proportional growth in sales headcount.
| Metric | Y1 (2027) | Y5 (2031) |
|---|---|---|
| LTV per client | $8,424 | $147,485 |
| CAC per client | $1,957 | $3,685 |
| LTV/CAC ratio | 4.3× | 40× |
| Payback period | 5.6 months | 2.2 months |
| Avg premium | $17,600 | $30,783 |
| Active clients | 453 | 2,512 |
| Metric | Y1 (2027) | Y5 (2031) |
|---|---|---|
| LTV per sponsor | $218,638 | $1,426,357 |
| CAC per sponsor | $100,808 | $473,533 |
| LTV/CAC ratio | 2.2× | 3.0× |
| Revenue per sponsor/yr | $18,114 | $61,260 |
| Avg vendors per sponsor | 50 | 150 |
| Active sponsors | 19 | 96 |
AI Risk has infinite LTV/CAC — zero acquisition cost, ~99% gross margin, pure upsell to the existing insurance book.
Four motions in parallel — ranked by ROI.
The playbook is live today. $1.39M GWP placed with 4 people and zero external capital. This round accelerates the machine — more reps, more capacity, same playbook on a larger scale.
2026 TOTAL: $2.2M GWP TARGET · $359,525 COMMISSION · 3× growth vs 2025 · 113→68 active clients EOY
Who we sell to — and how we enter.
How we acquire, without paying to acquire.
Distribution wedge: CoverCap OS makes each producer 3–5x as productive as traditional brokers. Product wedge: deep carrier relationships give our clients access to programs local brokers can't source.
AI-Powered Sales
Elite producers recruited from legacy brokers to join the insurance revolution. They sell, CoverCap OS runs the rest — quoting, carrier matching, and binding with no human bottleneck.
Referral / Vendor Network
Every client reveals 20–30 vendors. Vendors need coverage to keep contracts with anchor clients, generating a built-in buying trigger — zero cold outreach, zero prospecting cost.
Ecosystem
Built-in distribution through VCs, accelerators, banks and security companies. 20+ partners feeding the pipeline — the Vouch model, de-risked.
AI-powered sales closes the anchor client → the anchor's vendors cascade into new clients → built-in ecosystem distribution accelerates the next anchor.
From niche operator to regional risk infrastructure.
Insurance cash funds the TPRM build. TPRM ARR funds the ecosystem partnerships that compound the referral network. The same loop runs at every phase — larger network, lower marginal cost.
| Metric | Y0 (Today) | Y3 (Series A) | Y5 (2031) |
|---|---|---|---|
| Total Revenue | $405K | $13.66M | $50.04M |
| GWP under management | $2.2M | $28.9M | $77.3M |
| Insurance Clients | 113 | 1,243 | 2,512 |
| TPRM Sponsors | 1 | 58 | 96 |
| EBITDA Margin | 24% | 36% | 52% |
| Revenue per Employee | — | $244K | $550K |
| Team size | 4 | 56 | 90 |